Trauma Insurance

It's unfortunately common to face a trauma such as a serious illness or injury at least once in life. This cover is designed to pay your client a lump sum of money to manage the financial impact if they (or one of their children) were to face one of these events.

Our trauma insurance options

AIA Living Critical Conditions

Traditional trauma insurance, designed to pay a one-off lump sum if your client suffers from one of more than 50 defined medical conditions. Partial payments apply for over 15 significant but non-life threatening conditions. The payment can be spent however they like, whether it be covering medical treatment and rehabilitation costs, or providing financial breathing space.

This can be taken out for Personal or Business purposes.

AIA Living Progressive Care

Innovative trauma insurance that allows your client to make multiple claims, based on the severity of their illness or injury. Claim payments are linked to the severity of the condition: the more serious it is, the bigger the payment. They'll be covered for 70 defined medical conditions across five categories: Cancer, Heart and Arteries, Brain and Nerves, Loss of Function, and Other Health Events.

This can be taken out for Personal or Business purposes.

Key benefits for your clients

  • Wide Medical Scope

    Can be covered for over 50 defined medical conditions

  • Reliable Cover

    Offers protection if they suffer a major medical condition that isn't listed in the policy wording, but meets our definition of a 'severe illness or injury'

  • Covering Childhood

    Includes some built-in trauma insurance for their children, and is available as a standalone policy for children from 2 years old, to support their family should their child face a serious illness or injury

  • Medical Provision

    At claim time we'll take into account the latest recognised medical diagnostic techniques used to assess your client's covered medical conditions

  • Optional Buy-back

    Ability to reinstate their level of cover following a claim without having to provide further medical information

  • AIA Vitality

    Access to AIA Vitality, our scientifically-backed health and wellbeing program

  • Future Proof Products

    Access to our Enhancement Pass Back Benefit. This means changes we make to our AIA Living products in the future are automatically passed back to your clients, offering them even more at claim time


Trauma Insurance

At a glance

Please note the following tables are a guide only. Please refer to our brochures and policy wordings for further information.
Eligible Ages Minimum

2

Eligible Ages Maximum

70

Eligible Occupations

All*

Term of Cover / Benefit Expiry

No expiry

Benefit Type

Lump sum

Full or partial

Premium Rate Guarantee

1 year

Premium Type

Rate for Age

10 years

To age 65

Maximum Sum Assured

Age: 2-15 $250,000

Age: 16+ $2,000,000

Maximum Lives Assured Per Policy

Age: 2-15 one life per policy

Age: 16+ joint life policies acceptable

The information on this page is provided as a sales support tool to be used in conjunction with the appropriate policy wording. * However hazardous occupations are uninsurable or require different terms. To confirm eligibility please contact an AIA underwriter.
Eligible Ages Minimum

16

Eligible Ages Maximum

70

Eligible Occupations

All*

Term of Cover / Benefit Expiry

No expiry

Benefit Type

Lump sum

Full or partial

Premium Rate Guarantee

1 year

Premium Type

Rate for Age

10 years

To age 65

Maximum Sum Assured

$2,000,000

Maximum Lives Assured Per Policy

10

The information on this page is provided as a sales support tool to be used in conjunction with the appropriate policy wording. * However hazardous occupations are uninsurable or require different terms. To confirm eligibility please contact an AIA underwriter.
Eligible Ages Minimum

2

Eligible Ages Maximum

70

Eligible Occupations

All*

Term of Cover / Benefit Expiry

No expiry

Benefit Type

Lump sum

% Pay-out

Premium Rate Guarantee

1 year

Premium Type

Rate for Age

10 years

To age 65

Maximum Sum Assured

Age: 2-15 $250,000

Age: 16+ $1,500,000

Maximum Lives Assured Per Policy

Age 2-15 one life per policy

Age 16+ joint life policies acceptable

The information on this page is provided as a sales support tool to be used in conjunction with the appropriate policy wording. * However hazardous occupations are uninsurable or require different terms. To confirm eligibility please contact an AIA underwriter.
Eligible Ages Minimum

16

Eligible Ages Maximum

70

Eligible Occupations

All*

Term of Cover / Benefit Expiry

No expiry

Benefit Type

Lump sum

% Pay-out

Premium Rate Guarantee

1 year

Premium Type

Rate for Age

10 years

To age 65

Maximum Sum Assured

$1,500,000

Maximum Lives Assured Per Policy

10

The information on this page is provided as a sales support tool to be used in conjunction with the appropriate policy wording. * However hazardous occupations are uninsurable or require different terms. To confirm eligibility please contact an AIA underwriter.